A financial creditor either by itself or jointly

Solution

Section 7-Initiation of corporate insolvency resolution process by financial creditor: (1) A financial creditor either by itself or jointly withother financial creditors, or any other person on behalf of the financial creditor, as may be notified by the Central Government,may file an application for initiating corporate insolvency resolution process against a corporate debtor before the Adjudicating Authority whena default has occurred.